0% introductory APR for 15 months on balance transfers, then 12.15% – 25.99% variable APR. Balance transfer fees apply. When you apply for this card, simply fill in the balance transfer information on the application. See the full terms and conditions.

All Wells Fargo credit cards are subject to credit qualification. Wells Fargo reserves the right to change terms, rates, and fees at its discretion in accordance with the card agreement and applicable law. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.

Use your card, earn cash rewards. It’s that easy!

Earn unlimited cash rewards with no complicated calculations and no expiration dates.

Earn 5% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on all other net purchases all the time.

Earn unlimited cash rewards with no complicated calculations and no expiration dates.

You can even elect to redeem your rewards for travel and more; sign on to mywellsfargorewards.com to see all options.

Boost your earning potential and find great deals at your favorite local and national stores in our Earn More Mall site With more than 3,000 popular in-store and online retailers, it’s never been easier to earn a little extra. Earn additional cash, shop the Earn More Mall site.

Explore rich rewards with Visa Signature®

5% cash rewards (1% base plus 4% bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first 6 months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified grocery stores, drugstores, and gas stations. Purchases not processed using these merchant codes for Visa will not qualify for bonus rewards points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for cash rewards points. For all other purchases a 1% cash reward is earned for each $1 spent in net purchases. Cash rewards are redeemed in increments of $25 only. Certain purchases/transactions do not earn cash rewards; Please see the summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Rewards Card for details.

Cardholders will earn one percent (1%) cash rewards for every $1 spent in net purchases (purchases minus returns/credits) made on the Credit Card account, rounded to the nearest one cent. During the first 6 months from the date the account is opened, for purchases made at retailers whose merchant code for Visa is classified in one of the following categories: grocery stores, drugstores and gas stations, Cardholders will earn an additional four percent cash rewards for every $1 spent in net purchases made on the Credit Card account, rounded to the nearest one cent. These additional cash rewards earned during the first 6 months at the select merchants will appear on the Cardholder's account statement 6-8 weeks from the date earned. One percent cash rewards will be earned per $1 spent on all other net purchases. Any credits, except payments to the account, will reduce the number of cash rewards available for redemption based on the dollar amount of the credit. Negative cash rewards will post within 6-8 weeks on Your account statement if returns or credits exceed purchases. Certain purchases/transactions do not earn cash rewards. Cash rewards can only be redeemed in twenty-five dollar ($25.00) increments. Please see the Wells Fargo Cash Back program for Credit Card Summary of Program Rules and Conditions for details.

Participating merchants of the Earn More Mall site control the variability of the offers shown. Bonus points are earned on net purchases (purchases minus returns/credits) only. To see the complete terms and conditions, please visit earnmoremall.com.

Overdraft protection advances are treated as cash advances. An overdraft fee will be charged each day an Overdraft Protection advance is made and interest will accrue from the date each advance is made. See the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Please note that you may also be able to link your checking account to your savings account for overdraft protection. No interest is charged on overdraft protection transfers from your savings account. However, fees do apply. See the Consumer Account Fee and Information Schedule for your savings account for further details.

Protection is subject to a $25 deductible and maximum benefit limit of $600 per occurrence. Protection covers cellular telephones billed to your Wells Fargo Consumer Credit Card, subject to a maximum of two claims, per twelve-month period, per Wells Fargo Consumer Credit Card account number. Protection covers the primary line and up to the first three additional lines listed on your provider’s monthly statement. Cellular telephones that are stolen or damaged are protected. This protection is only available when cellular phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cellular phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card or from the card that is linked to a Line of Credit. This benefit does not cover cellular telephones that are lost. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card and remains in effect when you continue to charge your monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner's or automobile insurance policies, or through a plan provided through the seller of the telephone. Read all the coverage benefits and exclusions (PDF)* for this protection.

Thank You

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

Cardholder agreement

The Cardholder Agreement details the terms and conditions of your credit card account and includes information such as the rate, fees, and other cost information associated with the account.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.

Credit Limit

Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. If you exceed this amount, an Over-the-Credit-Limit-Fee may be imposed.